already got BT ongoing so, will just continue to spend 2667 and let the statement keluar baru bayar is the plan.
thanks for confirming.

Just sharing:
for me, yup my monthly repayable BT amounts are included in PREVIOUS BALANCE in statement



the above was in in Apr dated statement with current balance of.. CREDIT, ie. Affin owed me heheh. oops.

still need to spend 2667 no?

Question after reading this thread on new revised TnC.

1. Top-up e-wallet RM3,080.00 every month. Get Rm80 CB.

Correct?

because u got limited quota to spend while others got unlimited quota to spend

Dear sifus, if my understanding is correct, since my statement is on the 15th monthly, I should spend RM3080 this month so that my June statement balance will qualify for July's RM80 right?
you are still green so there's a lot you havent seen yet. The highest water bill you have seen is RM100 

I have 2 Affin Duo (hubby and I) which I maxed out monthly, in addition to that PBB 1 VS, 1 Plat-i, and 1 QM. Every month max CB, never once did any withdrawal to 'abuse' the system.

So you see, RM80 CB is important to me.

Finally my affin duo got charged SST, since many of here report it is not possible to ask for waiver / rebate as regards to the SST, then I will just pay for it.

The aladdin url looks like what scammers would use 

i must say, all the newer Affin cards looks great.

even VS card now without embossing and card details printed behind with "Quick Read" design

i mean the DUO is still on 3k outstanding right? no further change?

thanks for the for info about BHP.

the AFFIN DUO
kind of confusing
RM3K ---RM80
RM8K---RM100 ,  ELSE  RM50

i think those hard core DUO VISA only , still
RM3K-RM80

the 8K--rm100 IS FOr those utilizing both VISA+MASTER

https://www.affinalways.com/my-cards

all cards are there

no SST waiver

but you can try and request by call Affin CS.

worth to DIY and find out the answers for your cards

which is why this method is not recommended to everyone due to the risk of card unknowingly terminated without Affin offering you.

i also gotten this when i wanted to terminate VS last year, but they retained with me anti-attrition reward.

I personally won't, but plenty would - That's why I am curious, because for such a plan, the clause for failing repayment on time is a rather iffy penalty, so if it's not for good reason and a certain degree of confidence on being able to pay it back (e.g. tenant will be late on their rent? Salary delayed by 2 weeks for some reason? All products have been completed and just need a one time payment to sort out delivery or last step but missing the money to close it due to emergency? Idk), it just seems like a way to potentially rack up debt for little good reasons.

For throwing it into MMF and racking the average rm37 ish gains seems like the safest way to get something out of it if not having anything particular in mind for the money, but for the one in ten thousand chance or less that something unfortunate happen, that's 15k that one don't need to owe to begin with for such little gains. Surely for things like racking up things like TnG GO+ promo rates, a little cash or even moving your efund is better than pointless temporary debts?

So I am genuinely trying to understand the perspective of others here, so more opinions welcomed! If anyone don't feel comfortable sharing their usage publicly, DMs are welcomed too. Just trying to learn something from anyone who's willing to teach, broaden my perspectives and all.

i tried to request for it via live chat..didn't manage to get